Do you accept insurance?
No. Our practice operates on a fully self-pay basis, which means we do not participate with insurance companies in any way. Clients pay directly for sessions at the time of service, and we do not bill or communicate with insurance providers.
This model allows for complete privacy, flexibility, and autonomy in your care—without the limitations, required diagnoses, or session restrictions that often come with insurance-based therapy.
Do you provide superbills?
No. We do not provide superbills.
A superbill is a specialized receipt that includes information such as a mental health diagnosis code, procedure code (CPT code), session dates, and the therapist’s identifying information. Clients can then submit superbills to their insurance company to request reimbursement for therapy sessions through their out-of-network benefits.
While some out-of-network therapists offer superbills to help clients seek partial reimbursement, doing so creates a formal link between the therapist and the insurance system. Legally, that places the therapist in the category of an out-of-network provider.
It’s important to understand that even when submitting superbills for out-of-network benefits:
Many plans have high deductibles before reimbursement applies.
Coverage often requires medical necessity and may exclude diagnoses like adjustment disorder, grief, or some ADHD treatments.
Session limits or other restrictions may apply.
Reimbursement is not guaranteed and may be partial or denied.
Processing can take weeks or months.
Some plans require pre-authorization for out-of-network services.
Out-of-network benefits may have session or reimbursement caps.
Therapists must share diagnostic and treatment info, which becomes part of your insurance record.
Managing superbills and claims can be time-consuming and confusing.
By choosing not to provide superbills, our practice remains fully self-pay and entirely independent from insurance. This ensures that your personal and clinical information stays completely private and that all treatment decisions are made solely between you and your therapist.
What are your self-pay rates?
Our self-pay rate is $125.00 per session. Sessions are 55 minutes long. Payment is due at the time of service, and can be made with cash, check, or card.
You’re welcome to submit your payment receipts to your insurance company if you’d like to see whether they will reimburse you. However, please know that we do not include the information typically required for insurance reimbursement.
Receipts from our practice include only basic payment details—such as the session date, amount paid, and method of payment. They do not include insurance-related items such as diagnostic codes, CPT codes, or a tax ID number for insurance billing. Our tax ID is used only for standard business reporting (such as 1099 forms) and is not provided for insurance claims.
In short, you are welcome to try submitting your receipts, but most insurance companies will not process reimbursement without the required coded documentation.
Can I submit receipts for reimbursement?
Yes. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can typically use those funds to pay for therapy sessions. These accounts are separate from insurance and can be used to cover eligible mental health expenses. It’s always a good idea to confirm the details with your HSA/FSA provider before getting started.
Can I use an HSA or FSA to pay for therapy?
Are there additional fees for services?
We have a 48 hour cancellation policy. If a late cancellation or no-show occurs, there is a $60.00 fee that will be charged to the client account.
Yes. If you’d prefer to use your insurance benefits for therapy, we can provide referrals to trusted therapists or clinics who accept insurance or are considered out-of-network providers. We maintain a network of qualified colleagues and are happy to help you find someone whose billing practices align with your needs.
This way, you can choose the type of care that best fits your personal, financial, and therapeutic goals—whether that’s fully private, self-pay therapy or therapy that involves insurance reimbursement.
Can you provide referrals to in-network or out-of-network providers?
If finances are a concern, you may be eligible for counseling services provided by the following organizations in northeast Indiana. Typically these organizations can afford a reduced rate because their fees are subsided by gifts, grants, or other financial support. Telehealth services may be available for Indiana residents through some of these organizations. See their websites or call them directly for additional information.
Purdue Fort Wayne Community Center | Purdue University Fort Wayne’s department of counselor education offering free counseling from graduate trainees.
Indiana Wesleyan Graduate Counseling Clinic | located in Marion, IN, a Christian graduate program providing free/reduced rate counseling services.
Hope Alive | a Christian organization providing free/reduced counseling services in the Fort Wayne area.
YWCA | help and support for survivors of sexual violence and domestic violence through crisis intervention, counseling, and support group services. All services are free to anyone affected by that violence, including men, women, adolescents, children, and entire families.
Living Free Recovery | a Christian ministry providing affordable group and individual support for people struggling with addition, and other life-controlling problems.
Headwaters Counseling | a counseling agency in Fort Wayne offering a sliding scale for people with limited incomes.
What are some low-cost options for counseling services?
Do you provide emergency services?
No, we do not provide crisis or emergency services. We are available during normal business hours of Tuesday-Thursday. If you're experiencing an emergency, please call 911 or your local crisis hotline. If you or a loved one is feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-TALK or text HOME to 741741. Both services offer free, 24/7 crisis support in the US.
You have the right to receive a 'Good Faith Estimate" explaining how much your medical care will cost
Under the law, health care providers need to give patients who don't have insurance or who are not using insurance an estimate of the bill for medical items and services.
• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
• If you receive a bill that is a least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate